Every car insurance company wants your premium and with this in mind and the ability to get competitive car insurance quotes from numerous car insurers by completing a single form, be prepared for the questions they will ask you and what you should add to their enquiry when determining your car insurance premium.

The very first thing to do is to answer every question the car insurance company asks you completely honestly. If you are not honest or do not disclose something that affects your risk profile, they may deny your claim on the basis that the premium they calculated was not correct for your actual risk profile based on the omission or incorrect information you gave.

The cheapest car insurance should not be looked at purely on a monetary value basis but on the basis of it being the cheapest insurance deal available for your circumstances. For example, you may elect to increase your excess to reduce your premium when you do not travel as much and then when your situation changes it may be prudent to reduce your excess, pay a slightly higher premium in case of an accident when you begin to travel more often. Whenever you situation changes and you wish to alter you insurance cover, it is best to get competitive insurance quotes in order to maintain the cheapest car insurance.

That said, here are a few things that the insurance companies need to know in order to determine your risk profile and for you to get the cheapest car insurance.

  • The number of years you have had your driver’s license.
  • The mileage you travel on average every month. This is very important if you travel very little.
  • You past claims history. The less you claim the lower your premium.
  • Other drivers of the vehicle. This is very important if you have a spouse, child etc who also drive the vehicle.
  • Will you need car hire in the event of an accident? This item can add a fair amount to the premium.

Tell the insurance consultant everything and answer questions honestly. Every call is recorded so you should also make note of the date and time of the call. In the event that there is a dispute with your insurance company you can insist on hearing the recording.

Always err on the side of caution when you are looking for the cheapest car insurance and revisit your policy at least once a year. It is a good idea to get new quotes every year to determine if you are still getting the cheapest car insurance, so don’t waste another minute, complete the form and start get quotes and you will get the cheapest car insurance.